Frequently Asked Questions

A public adjuster is a licensed insurance professional who works for you, the policyholder, not the insurance company. We inspect and document your property damage, interpret your policy, prepare and file the claim, and negotiate directly with your insurer so you can focus on getting life back to normal. Allegiant is a disabled veteran-owned firm licensed in both Florida and Georgia.

Yes. We work on a contingency basis, so if you don’t get paid, we don’t get paid. Our fee is a percentage of the settlement we recover for you. Florida law caps public adjuster fees at 20% of the claim payment, and at 10% for claims tied to a Governor-declared state of emergency during the year after the declaration. We review the exact terms with you before you sign anything.

You are never required to hire one, but the insurance company’s adjuster works for the insurer, not for you. A public adjuster levels the playing field by making sure your damage is fully documented, your policy is interpreted in your favor, and your claim is valued accurately. This is especially valuable for large, complex, denied, or underpaid claims.

It depends on the size and complexity of the loss, but Florida law sets clear deadlines: your insurer must acknowledge your claim within 7 days and generally pay or deny it within 60 days of receiving notice. We keep your claim moving, track every deadline, and push back on unnecessary delays.

Absolutely. A denial or a lowball offer is not the end of the road. We review your policy and the insurer’s decision, re-document the damage, and reopen or dispute the claim to pursue the full amount you are owed. Many of our clients come to us after their insurer has already said no.

High winds can tear roofing, shatter windows, and damage exteriors. We provide detailed inspections to make sure every loss is accurately captured and fully documented for your claim.

Water damage claims require thorough documentation to capture both immediate and long-term impacts like mold growth and material degradation. We make sure nothing is missed.

Whether your property has been damaged by break-ins, graffiti, or destruction, we document all losses carefully and advocate for full compensation.

Smoke damage often extends beyond what the eye can see, impacting walls, insulation, and HVAC systems. We ensure all damage is accounted for in your claim.

Sinkhole damage can be devastating. We coordinate the necessary geological inspections and policy reviews to make sure your structural losses are fully addressed.

Your roof is your first line of defense. We provide comprehensive inspections and documentation to ensure any storm, hail, or wind damage is properly covered.

For rental property owners, we help secure compensation for lost rental income during necessary repairs, protecting your investment and financial stability.

Plumbing failures can cause extensive hidden water damage. We inspect affected areas carefully and fight for coverage of both immediate and secondary losses.

From furniture to electronics to personal keepsakes, we create detailed inventories and valuations to help recover the full value of your damaged belongings.

Mold damage claims require quick action and detailed evidence. We document contamination thoroughly to support your claim for remediation and repairs.

When your home or business is uninhabitable, we help you pursue compensation for temporary housing, lost income, and additional living expenses.

We specialize in helping property owners recover after hurricanes by managing every step of the claims process, from damage assessment to settlement negotiation.

Hail can cause subtle but serious damage to roofs, siding, and windows. We make sure no small detail is overlooked in your inspection and claim.

We work with trusted experts to document cracks, settling, and structural shifts, ensuring your foundation issues are properly represented in your claim.

Flood claims require careful documentation and policy interpretation. We help you navigate the complexities to maximize your compensation.

We assess both the obvious and hidden fire damage, including structural integrity and smoke infiltration, to secure a full and fair settlement for your recovery.

From siding and windows to gutters and exterior paint, we ensure every visible and hidden detail is properly documented and included in your claim.